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Zagrebačka banka awards reward points which convert to BONUS euro on your MultiPlus card for every payment at a point of sale in Croatia, abroad or online, both for one-off and instalment payments, to every holder of a debit card for current account in euro or Mastercard credit cards (Individual Standard, Gold, Platinum, Student and go!card) who is a member of the Programme. Zagrebačka banka also awards reward points for using your proxies’ debit cards for current account in euro and additional Mastercard cards.
By paying with Zaba cards, you receive points and BONUS euro from Zagrebačka banka, without having to show your MultiPlus card in a store. You receive one reward point for every:

• 5 euro paid with your Mastercard credit card

• 9 euro paid with your debit card for current account in euro

Reward points convert to BONUS euro. For 100 collected reward points, you get one (1) BONUS euro, i.e. one (1) reward point equals 0.01 BONUS euro in any Programme partner store. One (1) BONUS euro corresponds to the value of one (1) euro discount on a purchase in any Programme partner store.
The calculation period in which users may collect and use BONUS euro lasts 12 months, from 1 January to 31 December every year.
You do not have to show your MultiPlus card when shopping. The points are collected automatically by paying with Zaba cards.
Points, or BONUS euro, are collected for one-off payments and instalment payments. Points are not awarded for cash withdrawals, participation in games of chance (lottery, betting, casinos and slot machines, etc.), consumer and cash loan instalments, money transfers, or payments made in favour of other payment instruments, etc. (e.g. payments to other digital wallets, purchase of cryptocurrencies, brokering services, etc.). In case of a refund/cancellation per card, the awarded points, i.e. BONUS euro, are deduced.
If you shop in our partner stores of the Programme, i.e. Konzum, Tisak and Tisak media, when you show your MultiPlus card, your will collect multiple reward points and BONUS euro from both Zagrebačka banka and partners where you are shopping!

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Points and BONUS euro for card payments will be collected from the date when the account holder registers the number of the current account in euro opened with Zagrebačka banka in the MultiPlusCard programme when joining or later while participating in the Programme.

With every purchase in a partner store of the MultiPlusCard programme, users collect reward points in the form of BONUS euro which are immediately available on their MultiPlus card.
You can use BONUS euro for your next purchase, spend them later or collect over a longer period as BONUS euro collected in one year can be used until the end of the following year.
If you do not use all BONUS euro by the end of the year, the remaining reward amount of BONUS euro available on your MultiPlus card on 31 December will be transferred to the following year and can be used by the end of that year, i.e. 31 December.
In order to use your BONUS euro, show your MultiPlus card or your mobile app electronic card, or enter your MultiPlus card number in the MultiPlusCard programme partner webshop.
Program users will receive a number of fantastic benefits; usually discounts on a portion or a certain range of partners' products or services.
MultiPlusCard programme users can connect their accounts so that they receive all benefits to one joint Programme account.

Of course, if you are already a member of the MultiPlusCard loyalty program and you have registered a Zaba current account in euro the MultiPlusCard, you will be able to collect reward points for all transactions made with the debit card of your current account in euro. If you are not yet a member of the program, you can easily sign up for the it and start collecting points for all cards issued by Zagrebačka banka. More information about the programme.

Every time you make a payment with your Individual Mastercard or go!card Mastercard credit card in Croatia, abroad or online, you receive the MultiPlusCard reward points in the form of BONUS euro. Participation in the reward programme is free of charge. The points for purchases via cards are collected from the date of reporting the number of the current account in euro opened with Zagrebačka banka (or the go!card debiting account number) in the MultiPlusCard programme by the account owner.
Find out more.

The list of partners of the MultiPlusCard programme is available on www.multipluscard.hr.

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Of course. If you are already a member of the MultiPlusCard Loyalty Reward Program and the number of your current account in EUR is recorded in the MultiPlusCard system, you will be able to collect your reward points using the new card as well.

The amount of cash you can withdraw at ATMs and/or points of withdrawal depends on the balance of the current account in HRK and card limits.

At specially designated Zagrebačka banka ATMs where you can withdraw cash in EUR, you can withdraw up to EUR 500 a day, with a fee.